Pricing Supplement Dated January 12, 2016
(To Offering Circular dated December 2, 2015)

Universal Debt Facility

This Pricing Supplement relates to the Debt Securities described below (the "Notes"). You should read it together with the Offering Circular dated December 2, 2015 (the "Offering Circular"), relating to the Universal Debt Facility of the Federal National Mortgage Association ("Fannie Mae"). Unless defined below, capitalized terms have the meanings we gave to them in the Offering Circular.

The Notes, and interest thereon, are not guaranteed by the United States and do not constitute a debt or obligation of the United States or of any agency or instrumentality thereof other than Fannie Mae.

Certain Securities Terms

1. Title: Step Rate Notes Due January 29, 2019

2. Form: Fed Book-Entry Securities

3. Specified Payment Currency

a. Interest: U.S. dollars

b. Principal: U.S. dollars

4. Aggregate Original Principal Amount: $15,000,000.00

5. Issue Date: January 29, 2016

6. Maturity Date: January 29, 2019

Amount Payable on the Maturity Date: 100.00% of principal amount

7. Subject to Redemption Prior to Maturity Date
__ No
X Yes; in whole or in part, at our option, on the following dates at a redemption price of 100% of the principal amount redeemed, plus accrued interest thereon to the date of redemption.

July 29, 2016 October 29, 2016 January 29, 2017 April 29, 2017
July 29, 2017 October 29, 2017 January 29, 2018 April 29, 2018
July 29, 2018 October 29, 2018

8. Interest Category: Step Rate Securities

9. Interest

a. Frequency of Interest Payments: quarterly

b. Interest Payment Dates: the 29th day of each January, April, July and October

c. First Interest Payment Date: April 29, 2016

d The interest rate on the outstanding principal amount will be as follows:

from and including to but excluding interest rate per annum

January 29, 2016 July 29, 2016 0.75%
July 29, 2016 October 29, 2016 1.00%
October 29, 2016 January 29, 2017 1.125%
January 29, 2017 April 29, 2017 1.25%
April 29, 2017 July 29, 2017 1.375%
July 29, 2017 October 29, 2017 1.50%
October 29, 2017 January 29, 2018 1.75%
January 29, 2018 April 29, 2018 2.00%
April 29, 2018 July 29, 2018 2.50%
July 29, 2018 October 29, 2018 3.00%
October 29, 2018 January 29, 2019 3.50%

Additional Information Relating to the Notes

1. Identification Number(s)

a. CUSIP: 3136G2WG8

b. ISIN: N/A

c. Common Code: N/A

2. Listing Application
X No
__ Yes

3. Eligibility for Stripping on the Issue Date
X No
__ Yes
___ Minimum Principal Amount: _____________

Offering

1. Pricing Date: January 12, 2016

2. Method of Distribution: X Principal __ Non-underwritten

3. Dealer: Mesirow Financial

4. Offering Price:
X Fixed Offering Price: 100.00% of principal amount, plus accrued interest, if any, from the Settlement Date
__ Variable Price Offering

5. Dealer Purchase Price: 99.86% of principal amount

a. Concession: N/A

b. Reallowance: N/A

6. Proceeds to Fannie Mae: $14,979,000.00

Settlement

1. Settlement Date: January 29, 2016

2. Settlement Basis: delivery versus payment

3. Settlement Clearing System: U.S. Federal Reserve Banks